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Comcast is a telecommunications conglomerate headquartered in Philadelphia, Pennsylvania. Xfinity is the trade name of Comcast Cable Communications, LLC that offers cable television, internet, telephone, and wireless services.
You may still see Comcast listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your Comcast account was sent to a debt collector.
If you need help getting Comcast/Xfinity collections off your credit report, then keep reading! We’ve outlined the steps you should take to permanently remove them from your credit report.
Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(Though debt collectors may not want this widely known, it’s your right to be informed.)
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
Professional credit repair services assist people in getting their credit back on track.
They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
Address:
Comcast
1701 JFK Blvd
Philadelphia, PA 19103
Customer service phone number: (800) 934-6489
Comcast does have the right to take legal action against a customer who fails to pay their bills. However, this is generally seen as a last resort after attempts to collect the debt through internal collections or through a third-party collection agency.
If Comcast does sue and wins the case, they can obtain a judgment against you. This judgment can potentially allow them to garnish your wages, levy your bank account, or place a lien on your property depending on the laws in your specific state.
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
Debt validation is a method to remove Comcast collections from your credit report. To do this, send a debt validation letter requesting proof that the debt belongs to you. Act quickly within 30 days of initial contact to preserve your legal protection. Comcast has 30 days to respond.
Review their response carefully for errors, such as incorrect amounts or dates. If errors are found, draft a letter outlining the issues and request corrections. If Comcast fails to prove the debt is yours, they must cease communications and remove the entry from your credit report.
If you go through the debt validation process and discover that the debt is yours, then it will be more difficult to have the entry removed.
The most effective way to deal with Comcast Collections is to contact a professional credit repair company. They help remove millions of negative items every year from companies like Comcast Collections on behalf of their clients.
However, you can also attempt to negotiate a pay-for-delete agreement with Comcast on your own.
If you want to negotiate with Comcast, then it is a good idea to give them a call. Negotiating for a settlement via snail mail is not an effective way to come to an agreement. To come to an agreement that works for both sides, you will likely need to go back and forth on the details of the “pay for delete agreement.”
Be cordial in this negotiation. The representative is more likely to help you if you treat them with respect and maintain a good attitude throughout the process. Angrily yelling at the representative is unlikely to help you achieve your goal of removing the entry from your credit report.
When you come to an agreement with Comcast, ask for the details in writing. Through a letter, they should outline the exact terms of the repayment and deletion of the entry on your credit report.
Ensure that the letter explains the agreement in detail and retain it for your records. You should not pay for your end of the bargain until you have the letter in hand. Otherwise, you will have no proof of the transaction and the entry may never be removed.
After you have paid for your side of the bargain, double-check that the entry was removed from your credit report. If it is not removed within 30 days, then you will need to contact Comcast again to ensure that they intend to hold up their end of the agreement. If they give you any trouble, then the written letter outlining the terms will come in handy.
Credit Saint is a credit repair company that can assist you in disputing Comcast collection accounts with the credit bureaus. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.
They can also help you dispute (and possibly remove) the following items:
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.
